Shrikrishna Gajakus
Summary
Qualified and resourceful financial professional with diverse expertise in retail banking, high-level customer service, and mortgage experience.
Overview
9
9
years of professional experience
Work History
Closing Analyst
Tata Consultancy Services
Pune
10.2018 - Current
- Reviews all documents from the settlement company to ensure closing instructions are properly followed including all fees and closing cost.
- Interprets lending guidelines and exercises judgment in determining if the loan is ready to close. Works with necessary individuals to remedy any issue that is discovered.
- Use to prepare initial closing disclosure, get it balance from title company
- Have knowledge of proration, varies credit from contract, also understanding cure.
- Proficient understanding of RESPA, TILA, TRID, ECOA and HMDA regulations.
- Followed up with closing/escrow agent to verify consummation of loan and advise of any problems or concerns.
- Met monthly productivity levels (90-120 loans) and turn around times for various types of loan products(Conventional, Purchase & Refinance Transactions).
- Gathered and prepared information for completion of closing documents including 3rd party fees, payoffs and subordinations.
- Also worked for order services like Title, Appraisal and evidence of insurance.
-
Mortgage Loan Processor
Digital Risk LLC (An Mphasis Company)
Pune
12.2016 - 09.2018
- Validated appropriate documentation as required by processing option, DU or other automated underwriting or evaluation tools.
- Interacted with outsourcing vendors for information and account updates relative to real estate tax processing, mortgage and hazard insurance(sufficient coverage, flood zone and correct mortgagee clause).
- Proficient understanding of RESPA, TILA, TRID, ECOA and HMDA regulations.
- Coordinated with title companies, attorneys, escrow agents, surveyors and real estate agents to complete loan submissions and documents.
- Use to order insurance documents via call, email,online and get mortgagee clause updated. Also use to check if insurance has sufficient dwelling coverage. Also use order Wind and Flood policy if applicable.
Modification Underwriter
Homeward Residential India
Pune
08.2014 - 12.2016
- Working on Statement tracking—receiving of financial document of the customer, analyzing the document & track in the application, update the details of the borrower. Reviewing GSE and FHA, VA Files.
- Updated borrower income & expense in application along with mortgage payment. If any document missing request the same from the borrower through application.
- Use To Perform income calculation with DTI of the borrower and run the system for various modification plans for borrower.
Education
Bachelor of Science - Electronics Science
N. Wadia Collage
Pune03.2012
High School Diploma -
J.N. V Pune
Pune03.2008
High School Diploma -
New English School Ashtapur
Pune03.2006
Skills
- Compelling leadership skills
- Self-motivated professional
- Excellent time management skills
- Perform well in high-demand, fast-paced environments
- Exceptional multi-tasker
- Strong organizational skills
- Analysis of extensive amounts of data
- Communication skills
Timeline
Closing Analyst
Tata Consultancy Services
10.2018 - Current
Mortgage Loan Processor
Digital Risk LLC (An Mphasis Company)
12.2016 - 09.2018
Modification Underwriter
Homeward Residential India
08.2014 - 12.2016
Bachelor of Science - Electronics Science
N. Wadia Collage
High School Diploma -
J.N. V Pune
High School Diploma -
New English School Ashtapur
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